Personal Loans · Chattanooga, Tennessee
13 credit unions in Chattanooga report personal loan rates to the NCUA. Rates range from 9.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
9.00%
Lowest Rate
12.19%
City Average Rate
13 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SOUTHERN ★ 5.0 · 6 reviews | 9.00% | 12.00% |
| 2 | EPB EMPLOYEES ★ 4.7 · 12 reviews | 10.00% | 12.00% |
| 3 | CHATTANOOGA AREA SCHOOLS ★ 4.7 · 25 reviews | 10.25% | — |
| 4 | COMTRUST ★ 3.1 · 20 reviews | 10.28% | 9.31% |
| 5 | CHATTANOOGA FEDERAL EMPLOYEES ★ 4.7 · 35 reviews | 11.50% | 15.00% |
| 6 | BASF CHATTANOOGA ★ 5.0 · 1 reviews | 11.53% | — |
| 7 | CHATTANOOGA FIRST ★ 4.2 · 19 reviews | 12.00% | — |
| 8 | I B E W 175 ★ 4.5 · 4 reviews | 12.00% | — |
| 9 | TRUST ★ 4.1 · 25 reviews | 12.49% | — |
| 10 | HEALTHCARE SERVICES ★ 4.2 · 12 reviews | 12.75% | 8.99% |
| 11 | MEMORIAL ★ 5.0 · 8 reviews | 14.00% | 12.00% |
| 12 | BCBST EMPLOYEES ★ 5.0 · 1 reviews | 14.73% | — |
| 13 | TENNESSEE VALLEY ★ 3.3 · 49 reviews | 18.00% | — |
If you have high-rate credit card balances, a personal loan from a Chattanooga credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.